United States Department of Agriculture (USDA) Rural Development

Help Paying for Basic Needs - Home Loan Program for Rural Homeowners

Short term help for basic needs like food, shelter and transportation

Description

Offers cash or other short term aid to people in a crisis that is affecting their access to basic needs

Emergency assistance can vary based upon eligibility and available funds.

Additional Information

The Single Family Housing Direct Home Loans Program assists low- and very-low-income rural homeowners to purchase decent housing. The program is also called the Section 502 Direct Loan Program.

Payment assistance is a type of subsidy that helps to reduce mortgage payments for a short time.

Loan funds may be used to help low-income individuals or households purchase homes in rural areas. Funds can be used to build, repair, renovate or relocate a home, or to purchase and prepare sites, including providing water and sewage facilities.

Features

• Area Served by County
  • Carlton County
  • Cook County
  • Lake County
  • St. Louis County

• Specialization
  • People with low income

Eligibility

A number of factors determine eligibility, including:

• Adjusted gross income at or below low-income limit for your area
• Willingness and ability to repay loan

More detailed eligibility guidelines are available online.

Application Instructions

Applications for this program are accepted through your local Rural Development office